• Health Policy and Management
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• v.15 no.4
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• pp.65-80
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• 2005

This study examines the effects of supplemental insurance on health care utilization and expenditures among cancer patients, who were hospitalized in a general hospital in Korea 2003. We find that those who purchase the supplemental insurance in addition to the social health insurance use more health care services and pay more than those who do not, suggesting insurance effects. This paper, however, cannot distinguish the moral effects of the health insurance from the selection effects due to adverse selection.

• The Journal of the Korea Contents Association
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• v.17 no.5
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• pp.366-375
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• 2017

The purpose of this study is to analyze the use of hospital, hospitalization, medical service, discharge and power of medical care patients who are concerned about moral hazard. We conducted focus group interview with 3 medical care patients and their families and 5 workers who had worked for more than 4 years in a nursing hospital. The main results and implications are as follows. First, admission to nursing hospitals was mostly based on the linkage between the medical institutions and the competition to attract the patients rather than the choice of the patients. Second, the main cause of the long-term hospitalization of medical assistance patients was the lack of social protection measures such as absences of residence and care giver, although there are factors that cause moral hazard such as low self-pay. Third, most of the patients were in need of treatment, but they were admitted to the hospital even though their needs were not higher than those of the health insurance patients. Fourth, the rehabilitation service is the mainstay of the medical service of the nursing hospital, and the roles of nursing staff and care givers are important. Fifth, medical care patients are paying medical expenses for nursing hospitals due to cost of living and family support, but they are exempted from the hospital expenses or the burden of their own expenses in the hospital. Sixth, public institutions and social welfare institutions have not managed continuously since commissioning patients to nursing hospitals and have neglected the connection with community services after discharge.

• Journal of the Korean housing association
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• v.14 no.2
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• pp.89-100
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• 2003

This study is identified the characteristics of housing product through housebuilders' strategies. As a methodology for this study, literature survey and questionnaire survey were used. Questionnaires have been done on mail to 232 housebuilders and return rate was 34.1%. In summary, housing product can be characterized long gestation period, periodically building cycle, future uncertainty of market volatility, maximization of land development gain, utilization of public fund for continuous building activity, moral hazard by accidentally bankrupcy. Therefore private housebuilding could be defined speculative industry.

• Proceeding of Spring/Autumn Annual Conference of KHA
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• 2002.11a
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• pp.255-261
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• 2002

The purpose of this study was to identify the characteristics of housing product through housebuilders' strategies. As a methodology for this study, literature survey and questionnaire survey were used. Questionnaires were delivered on mail to 232 housing-builders and return rate was 34.1％. In summary, housing product was characterized long gestation period, periodically building cycle, future uncertainty of market volatility, maximization of land development gain, utilization of public fund for continuous building activity, moral hazard by accidental bankruptcy. Therefore private housebuilding could be defined speculative industry.

• Journal of agricultural medicine and community health
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• v.37 no.2
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• pp.84-95
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• 2012

Background: In Korea, private health insurance has neglected to induce externality on national health insurance by moral hazard. Therefore, we conducted this study in order to explore the influence of private health insurance on unnecessary medical utilization among patients with cervical or lumbar sprain. Method: The study examined a population of 449 patients (admission, 384; out-patient; 85) diagnosed with simple cervical or lumbar sprain without neurological symptoms at 20 small hospitals or clinics in Gwangju and Jeollanam provinces from Jul. 1 to Aug. 31 2008. The data were collected using structured, self-administrated questionnaire which collected information such as whether or not the patient was admitted (as a dependent variable), whether or not they had private health insurance (as a independent variable), and covariates such as socio-demographic characteristics, the factors related to the sprain, and characteristics of the insurance provider. Results: From hierarchical multiple logistic regression analysis, it was found that the admission rate of patient with private health insurance was higher than that those without it (Odds ratio=3.31, 95% Confidence interval; 1.14-9.58), meaning that private health insurance was an independent factor influencing the admission of patients with these conditions. Other determinants of admission were patient age and physician referral. Conclusions: This study is the first empirical study to explore the influence of private health insurance on inducing moral hazard in admission services, specifically among patients with cervical or lumbar sprain. Regulation of benefits provided by private health insurance may be necessary, as the effect of this moral hazard may mean existence of externality.

• Environmental and Resource Economics Review
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• v.6 no.2
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• pp.275-303
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• 1997

최근 각국은 자국의 해양자원을 보존한다는 명분으로 EEZ선포를 서두르고 있다. 한반도 주변과 같이 서로 인접한 수역에서의 EEZ설정은 필연적으로 각국의 이해관계가 상충될 수밖에 없고 따라서 이의 해결을 위해 인접국들은 합의에 의해 공동어로수역을 설정하고 이를 공동을 관할하려 할 것이다. 이 논문은 각국이 공동어로 수역을 설정하여 접속수역에 대해 인접국에게 관할권을 부여할 경우 초래될 수 있는 점을 게임이론과 정치경제적인 접근으로 이러한 문제를 다루었다. 즉, 접속수역에서 인접국은 자원의 채취에 있어서 다국과의 차별적인 규제를 시행하고 타국도 마찬가지의 정책을 구사할 경우 도덕적 위해(moral hazard)에 의해 각국의 접속수역에서의 자원이 가속적으로 고갈될 수 있다는 점을 보이고 있다. 또한 단기적인 전략적 산업정책의 수행은 타국의 희생하에 시장점유율을 확대시키며 그 결과 이윤의 이전을 가져오며 이는 자국 후생의 향상을 가져올 수 있다는 브랜드-스펜서(Brander-Spencer)의 결과는 수산자원과 같은 갱생지원의 경우에는 적용될 수 없다는 점을 보이고 있다.

• The Korean Journal of Financial Management
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• v.14 no.1
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• pp.249-267
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• 1997

1996년 법률 제정을 거쳐 1997년 1월 1일 시행된 우리나라의 예금보험제도는 고정보험료 율방식을 채택하고 있다. 국정료율방식(國定料率方式)의 예금보험제도(預金保險制度는) 보험료 산출과 행정비용 등이 적게 들고 도입 및 운영이 용이하다는 장점이 있으나, 가입 금융기관의 도덕적위험(moral hazard)을 초래한다는 중대한 단점을 동시에 가지고 있다. 도덕적위험은 은행으로 하여금 고위험, 고수익을 추구하게 하여 결과적으로 위험이 낮은 은행으로부터 높은 은행으로 부가 이전되는 효과와 높은 위험을 가진 은행에게 오히려 낮은 보험료가 부과되는 부의 왜곡현상을 초래한다. 본 논문은 이와 같은 고정보험료율제도의 단점을 극복하는 장치인 은행위험에 근거한 차등 보험료율제도 즉, 위험조정보험료율제도의 핵심이라 할 수 있는 위험조정예금보험료(RADIP)를 실증적으로 추정해 내는데 그 목적이 있다. RADIP추정은 먼저 은행위험의 측정이 필수적인데, 은행위험인 자산수익률의 표준편차는 실제적으로 산출이 불가능하다. 따라서 이를 위해 본 논문에서는 Problem-Solving FORTRAN 프로그램인 'IMSL'을 사용한다. 그리고 측정된 은행위험을 기초로 RADIP가 최종적으로 측정되며, 이는 향후 고정료율보험료방식의 우리나라 예금보험제도가 차등료율보험료방식으로 전환될 경우 각 은행의 적정 예금보험료를 산출하는 합리적 기준이 될 것으로 생각된다.

• Journal of the Korean Operations Research and Management Science Society
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• v.24 no.2
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• pp.41-51
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• 1999

In sole-source procurement contraction for government goods and services, the buyer (government) needs to derive the optimal actions from the contractor so the buyer can obtain the maximum utility and the contractor, or single-source supplier, is guaranteed the equivalent of a minimum level of profit. Under the assumption of risk-neutrality for both the buyer and the contractor and the buyer's unobservability of the contractor's action, it is necessary for the buyer to design a (mathematical) model to achieve the above objective. This paper considers the mathematical formulation in which two problems - moral hazard and adverse selection - are present simultaneously; furthermore, from the formulation, a GAMS (General Algebraic Modeling System) program is used for a possible buyer to obtain the optimal actions.

• Journal of the Korean housing association
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• v.17 no.1
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• pp.127-134
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• 2006

The purposes of this study are to define 'housing welfare' which constitutes an important theme of discussion today and to present some future policy issues. Recently, the expression 'housing welfare' is widely used in our daily life and written in some laws, but its concept is still ambiguous. Housing welfare can be defined as 'the situation in which citizens gain access to a decent housing and adapt themselves well to the community life. In this context, the goals of housing welfare policy should be as follows: reduction of the number of households living below the minimum standard in housing, promotion of the right to housing, housing provision and management based on housing needs, linkage of housing and other welfare measures, realization of social integration and social justice. But, there are still some controversies on such questions as target group, moral hazard of beneficiaries, social equity, etc. To get all the policy alternatives more effective, efforts should be made to improve the general infrastructure of welfare policies, to prevent NIMBY phenomenon of local actors, and so on.

• Environmental and Resource Economics Review
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• v.4 no.1
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• pp.1-15
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• 1994

본 논문에서는 오염배출 기업의 도덕적(道德的) 해이(解弛)(moral hazard)를 고려한 규제자의 강제정책(enforcement)에 관하여 분석한다. 또한 환경규제위반의 경우 일반적인 범죄와는 달리 의도적인 위반 이외에도 기술적 한계에 의한 불가항력적인 위반의 가능성이 있으므로 이를 고려하여 기업의 행태를 분석한다. 규제자의 강제 수단은 벌칙의 수준과 벌칙이 주어지는 기간으로 나누어 볼 수 있다. 벌칙의 강도와 벌칙이 주어지는 기간간의 관계는 사회후생을 고려한 경우 독립적이지 않고 서로 trade-off의 관계에 있다. 따라서 규제자는 벌칙의 구조를 결정함에 있어서 이러한 관계를 고려하여야한다. 크게 두가지의 선택이 있을 수 있는데 하나는 높은 수준의 벌칙과 짧은 벌칙 기간이고 다른 하나는 낮은 수준의 벌칙과 긴 벌칙 기간이다. 본 논문에서는 벌칙이 사회에 미치는 왜곡을 고려한 최적 벌칙 구조에 관한 분석을 목적으로 한다.